The price shown is a weighted average sale price for shares sold in multiple transactions; the sale prices ranged from $37.820 to $37.990 per share. The reporting person will provide to the issuer, any security holder of the issuer, or the SEC staff, upon request, information regarding the number of shares sold at each price within the range.

(3)

Represents current allocation under Employee Ownership Plan.

(4)

The reporting person disclaims beneficial ownership of all securities held by his wife, directly or indirectly, and this report should not be deemed an admission that the reporting person is the beneficial owner for purposes of Section 16 or any other purpose.

(5)

The stock option became exercisable to the extent of 20% on 8/17/2006 and was cumulatively exercisable to the extent of 20% each year thereafter.